{"id":3540,"date":"2018-05-19T03:24:49","date_gmt":"2018-05-19T03:24:49","guid":{"rendered":"http:\/\/ffbenefits.ffga.com\/desotoisd\/health-savings-accounts\/"},"modified":"2026-06-16T15:47:48","modified_gmt":"2026-06-16T15:47:48","slug":"health-savings-accounts","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/desotoisd\/health-savings-accounts\/","title":{"rendered":"Health Savings Accounts"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-15uwsid-9c9ed689071b015fac9ba4631090c4ac\">\n.flex_column.av-15uwsid-9c9ed689071b015fac9ba4631090c4ac{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-15uwsid-9c9ed689071b015fac9ba4631090c4ac av_one_full  avia-builder-el-0  el_before_av_three_fifth  avia-builder-el-first  first flex_column_div av-zero-column-padding  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-14pcy79-9ea0d2cb064b505d3941ebaab7779c36\">\n.avia-image-container.av-14pcy79-9ea0d2cb064b505d3941ebaab7779c36 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-14pcy79-9ea0d2cb064b505d3941ebaab7779c36 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-14pcy79-9ea0d2cb064b505d3941ebaab7779c36 av-styling- avia_animated_image av-animated-when-visible-95 right-to-left avia-align-center  avia-builder-el-1  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-3542 avia-img-lazy-loading-not-3542 avia_image ' src=\"https:\/\/ffbenefits.ffga.com\/desotoisd\/wp-content\/uploads\/sites\/39\/2022\/04\/HSA.png\" alt='' title='HSA'  height=\"845\" width=\"6250\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/ffbenefits.ffga.com\/desotoisd\/wp-content\/uploads\/sites\/39\/2022\/04\/HSA.png 6250w, https:\/\/ffbenefits.ffga.com\/desotoisd\/wp-content\/uploads\/sites\/39\/2022\/04\/HSA-300x41.png 300w, https:\/\/ffbenefits.ffga.com\/desotoisd\/wp-content\/uploads\/sites\/39\/2022\/04\/HSA-1030x139.png 1030w, https:\/\/ffbenefits.ffga.com\/desotoisd\/wp-content\/uploads\/sites\/39\/2022\/04\/HSA-768x104.png 768w, https:\/\/ffbenefits.ffga.com\/desotoisd\/wp-content\/uploads\/sites\/39\/2022\/04\/HSA-1536x208.png 1536w, https:\/\/ffbenefits.ffga.com\/desotoisd\/wp-content\/uploads\/sites\/39\/2022\/04\/HSA-2048x277.png 2048w, https:\/\/ffbenefits.ffga.com\/desotoisd\/wp-content\/uploads\/sites\/39\/2022\/04\/HSA-1500x203.png 1500w, https:\/\/ffbenefits.ffga.com\/desotoisd\/wp-content\/uploads\/sites\/39\/2022\/04\/HSA-705x95.png 705w\" sizes=\"(max-width: 6250px) 100vw, 6250px\" \/><\/div><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-12ju3it-736f45c4fa698c3fae195611733e4b41\">\n.flex_column.av-12ju3it-736f45c4fa698c3fae195611733e4b41{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-12ju3it-736f45c4fa698c3fae195611733e4b41 av_three_fifth  avia-builder-el-2  el_after_av_one_full  el_before_av_two_fifth  first flex_column_div av-zero-column-padding  column-top-margin'     ><section  class='av_textblock_section av-11947ol-6df1de5780bc2efc8e350c9932a4c30d '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><h3>What is a Health Savings Account (HSA)?<\/h3>\n<div class=\"page\" title=\"Page 1\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p>Health Savings Account (HSA) enables you to save for and conveniently pay for qualified healthcare expenses, while you earn tax-free interest and pay no monthly service fees.<\/p>\n<p>Opening a Health Savings Account provides both immediate and long term benefits. The money in your HSA is always yours, even if you change jobs, switch your health plan, become unemployed or retire. Your unused HSA balance rolls over from year to year. And best of all, HSAs have tax-free deposits, tax-free earnings and tax-free withdrawals. And after age 65, you can withdraw funds from your HSA penalty-free for any purpose.*<\/p>\n<h3>How it works:<\/h3>\n<p>You choose the payroll deduction contributions up to the maximum allowed by the IRS. Your HSA balance remains in your account year to year earning interest along the way. The account is portable. Upon retirement or separation of service, you take the HSA with you because it\u2019s your money and your account. When you want to access the funds, use your benefits card to pay your provider directly or simply request reimbursement or distribution on our online portal or mobile app. Be sure to keep receipts for all of your medical expenses, for which you received a reimbursement, for at least three years for tax-reporting purposes. See HSA flyer below for more details on who can participate.<\/p>\n<h5>HSAs Offer a Triple Tax Advantage<\/h5>\n<ul>\n<li>The money you put in to the account is deducted from your paycheck before tax<\/li>\n<li>The interest and earnings you make on the account grow tax free<\/li>\n<li>Distributions for eligible medical expenses are tax free<\/li>\n<li>At age 65, you can withdraw your HSA funds for non-qualified expenses at any time, although they are subject to regular income tax. You can avoid paying taxes by continuing to use the funds for qualified medical expenses.<\/li>\n<\/ul>\n<h5>What are the key advantages of an HSA?<\/h5>\n<ul>\n<li>No end-of-year forfeiture of funds<\/li>\n<li>Portable account<\/li>\n<li>Provides an excellent savings vehicle for healthcare expenses<\/li>\n<li>No monthly account fees.<\/li>\n<li>Free eStatements when you opt in for electronic delivery<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"page\" title=\"Page 1\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<div class=\"page\" title=\"Page 1\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<div class=\"page\" title=\"Page 1\">\n<div class=\"layoutArea\">\n<div class=\"column\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/section><br \/>\n<div  class='hr av-3jl0hh-5922c07437f7c3e4575b7fd1ad301df3 hr-default  avia-builder-el-4  el_after_av_textblock  el_before_av_heading '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-hqltwk-626cf6cc2c965500450c9332ee95de92\">\n#top .av-special-heading.av-hqltwk-626cf6cc2c965500450c9332ee95de92{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-hqltwk-626cf6cc2c965500450c9332ee95de92 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-hqltwk-626cf6cc2c965500450c9332ee95de92 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-hqltwk-626cf6cc2c965500450c9332ee95de92 av-special-heading-h5  avia-builder-el-5  el_after_av_hr  el_before_av_table '><h5 class='av-special-heading-tag '  itemprop=\"headline\"  >Annual Maximum Contribution Levels<\/h5><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<div  class='avia-table av-w6zi0l-15e6e028ac1d8d655e93534338df53de main_color avia-pricing-table-container avia_pricing_default  avia-builder-el-6  el_after_av_heading  el_before_av_textblock  avia-table-1'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Table\" ><div class=\"pricing-table-wrap\"><ul class='pricing-table avia-desc-col'><li class='avia-heading-row empty-table-cell'><div class='first-table-item'><span class='fallback-table-val'>2025<\/span><\/div><span class='pricing-extra'><\/span><\/li><li class=''>Individual Coverage<\/li><li class=''>Family Coverage<\/li><\/ul><\/div><div class=\"pricing-table-wrap\"><ul class='pricing-table '><li class='avia-heading-row'><div class='first-table-item'>2025<\/div><span class='pricing-extra'><\/span><\/li><li class=''>$4,300<\/li><li class=''>$8,550<\/li><\/ul><\/div><div class=\"pricing-table-wrap\"><ul class='pricing-table '><li class='avia-heading-row'><div class='first-table-item'>2026<\/div><span class='pricing-extra'><\/span><\/li><li class=''>$4,400<\/li><li class=''>$8,750<\/li><\/ul><\/div><\/div><br \/>\n<section  class='av_textblock_section av-fsruw5-b62b69d38e32ce188bba550183fc3f1e '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Catch up allowed for those 55 and over &#8211; $1,000<\/p>\n<\/div><\/section><br \/>\n<div  class='hr av-dx6il1-7694f3fad44b34feeafc83d581814161 hr-default  avia-builder-el-8  el_after_av_textblock  avia-builder-el-last '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-cmq291-3288ece3050862c5ada4d6dc915ea92a\">\n.flex_column.av-cmq291-3288ece3050862c5ada4d6dc915ea92a{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-cmq291-3288ece3050862c5ada4d6dc915ea92a av_two_fifth  avia-builder-el-9  el_after_av_three_fifth  avia-builder-el-last  flex_column_div av-zero-column-padding  column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-acwoat-72e04621eb289becfb9891ad70847332\">\n.iconbox.av-acwoat-72e04621eb289becfb9891ad70847332 .iconbox_icon{\nbackground-color:#91723f;\n}\n<\/style>\n<article  class='iconbox iconbox_top av-acwoat-72e04621eb289becfb9891ad70847332  avia-builder-el-10  el_before_av_iconlist  avia-builder-el-first  main_color'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\" aria-label=\"Icon: FFGA HSA\"><div class='iconbox_icon heading-color avia-svg-icon avia-font-svg_entypo-fontello' data-av_svg_icon='phone' data-av_iconset='svg_entypo-fontello' ><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"26\" height=\"32\" viewBox=\"0 0 26 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-1' aria-describedby='av-svg-desc-1' role=\"graphics-symbol\">\n<title id='av-svg-title-1'>Phone<\/title>\n<desc id='av-svg-desc-1'>Phone<\/desc>\n<path d=\"M14.752 17.92q5.184-5.184 3.776-6.592l-0.256-0.256q-0.96-0.96-1.312-1.536t-0.128-1.728 1.568-2.816q0.64-0.768 1.184-1.248t1.12-0.512 0.96-0.032 0.928 0.416 0.768 0.576 0.832 0.8 0.672 0.704q1.536 1.536-0.192 6.208t-6.528 9.408q-4.8 4.8-9.44 6.56t-6.176 0.224q-0.064-0.064-0.736-0.704t-0.8-0.8-0.576-0.768-0.416-0.992 0.064-0.96 0.48-1.12 1.216-1.184q1.344-1.088 2.24-1.504t1.728-0.064 1.12 0.576 1.248 1.184q1.408 1.408 6.656-3.84z\"><\/path>\n<\/svg><\/div><h3 class='iconbox_content_title '  itemprop=\"headline\" >FFGA HSA<\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><p>P: (866) 853-3539<\/p>\n<p>F:\u00a0(800) 298-7785<\/p>\n<p><a href=\"https:\/\/ffa.wealthcareportal.com\/Page\/Home\" target=\"_blank\" rel=\"noopener\">Online Wealthcare Portal<\/a><\/p>\n<h6>Claims Address:<\/h6>\n<p>First Financial Administrators, Inc.<br \/>\nAttn: HSA Department<br \/>\nPO Box 161968<br \/>\nAltamonte Springs, FL 32716<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l5ci5ky0-2a46375392042bd6a7a3618e436e0236\">\n#top .avia-icon-list-container.av-l5ci5ky0-2a46375392042bd6a7a3618e436e0236 .iconlist_icon{\nbackground-color:#91723f;\n}\n<\/style>\n<div  class='avia-icon-list-container av-l5ci5ky0-2a46375392042bd6a7a3618e436e0236  avia-builder-el-11  el_after_av_icon_box  avia-builder-el-last '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-l5ci5ky0-2a46375392042bd6a7a3618e436e0236 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-2j66lg-f6384ec75a67aa33de3d87cd15c87700 avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue81f' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: PLAN INFORMATION\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >PLAN INFORMATION<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p><a href=\"https:\/\/ffbenefits.ffga.com\/wp-content\/uploads\/sites\/77\/2020\/05\/FSA-HSARegisrtation-Login-Portal.pdf\" target=\"_blank\" rel=\"noopener\">Registration Login Instructions<\/a><\/p>\n<p><a href=\"https:\/\/www.ffga.com\/wp-content\/uploads\/hsa_ffa-flyer-ffga-2048.pdf\" target=\"_blank\" rel=\"noopener\">Flyer<\/a><\/p>\n<p><a href=\"https:\/\/www.ffga.com\/wp-content\/uploads\/hsa_employee_faq-ffga-2055.pdf\" target=\"_blank\" rel=\"noopener\">FAQ<\/a><\/p>\n<p><a href=\"https:\/\/www.ffga.com\/wp-content\/uploads\/hsavsfsa-ffga-2056.pdf\" target=\"_blank\" rel=\"noopener\">HSAs vs FSAs<\/a><\/p>\n<p><a href=\"https:\/\/www.ffga.com\/wp-content\/uploads\/hsa-optintoelectronicstatements.pdf\" target=\"_blank\" rel=\"noopener\">How to Opt-In to Electronic Statements<\/a><\/p>\n<p><a href=\"https:\/\/www.ffga.com\/wp-content\/uploads\/hsaciptips_employees_ffga-2061.pdf\" target=\"_blank\" rel=\"noopener\">Customer Identification Program (CIP) Tips<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-mqgtanh7-a6ab8fada15fa0d3694c6d41fca88083 avia-font-svg_entypo-fontello avia-svg-icon avia-font-svg_entypo-fontello'><span class='av-icon-char' data-av_svg_icon='doc-text-inv' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"32\" viewBox=\"0 0 22 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-2' aria-describedby='av-svg-desc-2' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-2'>Doc-text-inv<\/title>\n<desc id='av-svg-desc-2'>Doc-text-inv<\/desc>\n<path d=\"M19.2 1.6q1.344 0 2.272 0.928t0.928 2.272v22.4q0 1.28-0.928 2.24t-2.272 0.96h-16q-1.28 0-2.24-0.96t-0.96-2.24v-22.4q0-1.344 0.96-2.272t2.24-0.928h16zM4.48 8.256v2.816h13.44v-2.816h-13.44zM17.92 23.616v-2.816h-13.44v2.816h13.44zM17.92 17.344v-2.88h-13.376v2.88h13.376z\"><\/path>\n<\/svg><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: UMB Account Materials\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >UMB Account Materials<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p><a href=\"https:\/\/www.ffga.com\/wp-content\/uploads\/umb-hsa_welcome_kit_ffga-2058.pdf\" target=\"_blank\" rel=\"noopener\">Welcome Kit<\/a><\/p>\n<p><a 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id='av-svg-desc-3'>Doc-text<\/desc>\n<path d=\"M6.784 17.344v-2.88h8.96v2.88h-8.96zM19.2 1.6q1.344 0 2.272 0.928t0.928 2.272v22.4q0 1.28-0.928 2.24t-2.272 0.96h-16q-1.28 0-2.24-0.96t-0.96-2.24v-22.4q0-1.344 0.96-2.272t2.24-0.928h16zM19.2 27.2v-22.4h-16v22.4h16zM15.68 8.256v2.816h-8.96v-2.816h8.96zM15.68 20.8v2.816h-8.96v-2.816h8.96z\"><\/path>\n<\/svg><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: FF Mobile App\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >FF Mobile App<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p><a href=\"https:\/\/www.ffga.com\/wp-content\/uploads\/ff_flex_mobile_app_-_complete_users_guide.pdf\" target=\"_blank\" rel=\"noopener\">User Guide<\/a><\/p>\n<p><a href=\"https:\/\/www.ffga.com\/wp-content\/uploads\/ff_mobile_app_users_guide.pdf\" target=\"_blank\" rel=\"noopener\">Quick Reference Guide<\/a><\/p>\n<p><a href=\"https:\/\/www.ffga.com\/wp-content\/uploads\/Smart-Account-Flyer-and-FAQ_Employee.pdf\" target=\"_blank\" rel=\"noopener\">App FAQ<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><\/p><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":12,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3540","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ffbenefits.ffga.com\/desotoisd\/wp-json\/wp\/v2\/pages\/3540","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ffbenefits.ffga.com\/desotoisd\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ffbenefits.ffga.com\/desotoisd\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/desotoisd\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/ffbenefits.ffga.com\/desotoisd\/wp-json\/wp\/v2\/comments?post=3540"}],"version-history":[{"count":0,"href":"https:\/\/ffbenefits.ffga.com\/desotoisd\/wp-json\/wp\/v2\/pages\/3540\/revisions"}],"wp:attachment":[{"href":"https:\/\/ffbenefits.ffga.com\/desotoisd\/wp-json\/wp\/v2\/media?parent=3540"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}